Home Insurance Daily

If you’re a smoker, chances are you’ll get higher premiums for your home insurance policies simply due to the fact that you light up.

But you must understand this. Smoking increases the chance of accidental fire. Thousands of fires have been recorded throughout the years which have stemmed from irresponsible smokers leaving their cigarettes lying around. You know what they say – all it takes is a spark. And even though you may not consider yourself to be an irresponsible smoker, the mere fact that you make it a habit to start fires (even though it’s only a small one) anywhere inside the house is enough for many insurance companies to jack up you premiums.

However you are sincerely planning to quit, you can apply for lowered premiums. If you;re denied, then maybe you should try shopping around for better premiums elsewhere.